Job Title: Treasury Manager Job Location: Brindley Place Salary: up to £65k Contract type: Permanent Working hours: Full time About the role This is a key role in GSA s treasury team, with responsibility for managing treasury operations including external funder relationships and cash flow click apply for full job details
Oct 16, 2025
Full time
Job Title: Treasury Manager Job Location: Brindley Place Salary: up to £65k Contract type: Permanent Working hours: Full time About the role This is a key role in GSA s treasury team, with responsibility for managing treasury operations including external funder relationships and cash flow click apply for full job details
Job Title: Tenancy Enforcement Officer Head Office Location: Brindley Place, Birmingham Job Location: B1 2JB Salary - 42,000- 750+ Car Allowance) per annum Contract type - Permanent Working hours - Full Time Closing Date - 19/11/2025 About the role As a vital member of our Localities team, you will take a leading role in tackling serious tenancy breaches and anti-social behaviour (ASB) across our communities. You ll ensure all actions are fully aligned with GreenSquareAccord s policies, legal requirements, and sector best practices. This specialist position involves managing complex ASB cases from initial investigation through to resolution, including progressing cases through legal channels and representing the organisation in court when required. Working collaboratively with internal teams and external partners, you ll play a key role in minimising the impact of ASB and safeguarding the wellbeing of our residents. In addition to handling high-level cases, you ll provide expert advice, guidance, and training to our Homes and Communities Teams supporting them in deploying early intervention strategies for lower-level tenancy concerns. Your responsibilities will also include supporting victims and witnesses, preparing legal documentation, and participating in or leading multi-agency meetings. Your contribution will be essential in helping GreenSquareAccord deliver high-quality, customer-focused housing services while fostering safe, vibrant, and resilient communities. Please note that if you are successful in this role, we will require a DBS check to be completed. Further details will be sent following offer. All applicants are required to submit a cover letter and CV detailing their experience in managing anti-social behaviour (ASB) cases and handling court proceedings within a housing context". About you You are a highly skilled and resilient housing professional with extensive experience in tenancy enforcement and managing anti-social behaviour (ASB) cases. With a strong understanding of housing legislation, legal frameworks, and court procedures, you re confident in preparing legal documents, instructing solicitors or counsel, and, when appropriate, representing your organisation in court. You take a proactive, solution-focused approach, managing complex and often sensitive cases independently from beginning to end. You recognise the value of early intervention and holistic support, and you re committed to delivering positive outcomes for both residents and the wider community. Collaboration is one of your strengths you work effectively with a wide range of internal teams and external partners. You re also a clear and empathetic communicator, able to engage confidently with victims, witnesses, and stakeholder organisations. Above all, you embody the values of the GSA Way. You put customers first, thrive in team environments, and bring a commercially aware mindset to your social purpose. You re supportive, inquisitive, ambitious and ready to make a meaningful impact. Please note that if you are successful in this role, we will require evidence of the required certificates and qualifications for this role. Without this evidence, you would be unable to commence employment at GreenSquareAccord. About us GreenSquareAccord is one of the biggest social housing and care providers in England. We believe passionately in our mission to build better lives and provide social housing and support services to 54,000 people across our four localities. We are proud to play an active role in helping people to deal with the consequences of the housing crisis by providing affordable homes for people in our communities who need them most. We also provide care and support to some of the most vulnerable people in society. This includes support for people who are homeless, experiencing domestic violence or are part of the criminal justice system. Our purpose We are proud to be able to support tens of thousands of people across England by providing affordable housing and care to help people live independently. Our focus is on building better lives. Everything we do is about people - whether that s providing a good quality, safe home or providing care which helps someone to live an independent life. Our colleagues live and breathe this social purpose and we need great people, with skills across a range of disciplines, to make this happen. Working for GreenSquareAccord gives you the chance to bring your skills and expertise and make a real difference. It doesn t matter which role you are considering applying for, your work will help thousands of people build a better life. The GSA Way We know that how we do things is just as important as what we do. To help us make a difference, together, we created the GSA Way. A culture we commit to, aspire to, and live and breathe. Commitments and behaviours which together make our organisation what it is. Our five core commitments are: We believe our customer is everything We are one team We are supportive and caring We are business-minded for social purpose We are curious and ambitious. You can read more about the GSA Way in our recruitment pack. Benefits In support and recognition of our colleagues who will help us deliver our employer strategy, we offer a fantastic benefits package. This includes: 25 days annual holiday entitlement A defined contribution pension scheme. Trust based flexible working and a Confidential Employee Assistance Programme (EAP). Two days paid volunteering leave per year Buying and selling of annual leave Opt-in health cash plan with cover on eye test and glasses, Dental, therapy and much more! GreenSquareAccord also offer a non-contractual performance-related bonus scheme. Further details will be made available upon joining, along with supporting documentation which can be found on the GreenSquareAccord intranet site. All individuals who apply to work at GreenSquareAccord are considered on their merits in line with our Diversity and Inclusion strategy and policy. GreenSquareAccord are a Disability Confident Employer therefore we actively encourage applications from individuals with disabilities and try to provide access, adjustments, equipment or other practical support where required. All applicants with a disability who meet the essential eligibility criteria for the role, as detailed in the job description, are guaranteed an interview. If you need any assistance, adjustments or adaptations throughout our selection processes please let us know. Closing date for applications: 19-11-2025 For more information about this position please open the following document/s: TenancyEnforcementOfficerJD.docx GSARecruitmentPack(NonC&S).pdf
Oct 16, 2025
Full time
Job Title: Tenancy Enforcement Officer Head Office Location: Brindley Place, Birmingham Job Location: B1 2JB Salary - 42,000- 750+ Car Allowance) per annum Contract type - Permanent Working hours - Full Time Closing Date - 19/11/2025 About the role As a vital member of our Localities team, you will take a leading role in tackling serious tenancy breaches and anti-social behaviour (ASB) across our communities. You ll ensure all actions are fully aligned with GreenSquareAccord s policies, legal requirements, and sector best practices. This specialist position involves managing complex ASB cases from initial investigation through to resolution, including progressing cases through legal channels and representing the organisation in court when required. Working collaboratively with internal teams and external partners, you ll play a key role in minimising the impact of ASB and safeguarding the wellbeing of our residents. In addition to handling high-level cases, you ll provide expert advice, guidance, and training to our Homes and Communities Teams supporting them in deploying early intervention strategies for lower-level tenancy concerns. Your responsibilities will also include supporting victims and witnesses, preparing legal documentation, and participating in or leading multi-agency meetings. Your contribution will be essential in helping GreenSquareAccord deliver high-quality, customer-focused housing services while fostering safe, vibrant, and resilient communities. Please note that if you are successful in this role, we will require a DBS check to be completed. Further details will be sent following offer. All applicants are required to submit a cover letter and CV detailing their experience in managing anti-social behaviour (ASB) cases and handling court proceedings within a housing context". About you You are a highly skilled and resilient housing professional with extensive experience in tenancy enforcement and managing anti-social behaviour (ASB) cases. With a strong understanding of housing legislation, legal frameworks, and court procedures, you re confident in preparing legal documents, instructing solicitors or counsel, and, when appropriate, representing your organisation in court. You take a proactive, solution-focused approach, managing complex and often sensitive cases independently from beginning to end. You recognise the value of early intervention and holistic support, and you re committed to delivering positive outcomes for both residents and the wider community. Collaboration is one of your strengths you work effectively with a wide range of internal teams and external partners. You re also a clear and empathetic communicator, able to engage confidently with victims, witnesses, and stakeholder organisations. Above all, you embody the values of the GSA Way. You put customers first, thrive in team environments, and bring a commercially aware mindset to your social purpose. You re supportive, inquisitive, ambitious and ready to make a meaningful impact. Please note that if you are successful in this role, we will require evidence of the required certificates and qualifications for this role. Without this evidence, you would be unable to commence employment at GreenSquareAccord. About us GreenSquareAccord is one of the biggest social housing and care providers in England. We believe passionately in our mission to build better lives and provide social housing and support services to 54,000 people across our four localities. We are proud to play an active role in helping people to deal with the consequences of the housing crisis by providing affordable homes for people in our communities who need them most. We also provide care and support to some of the most vulnerable people in society. This includes support for people who are homeless, experiencing domestic violence or are part of the criminal justice system. Our purpose We are proud to be able to support tens of thousands of people across England by providing affordable housing and care to help people live independently. Our focus is on building better lives. Everything we do is about people - whether that s providing a good quality, safe home or providing care which helps someone to live an independent life. Our colleagues live and breathe this social purpose and we need great people, with skills across a range of disciplines, to make this happen. Working for GreenSquareAccord gives you the chance to bring your skills and expertise and make a real difference. It doesn t matter which role you are considering applying for, your work will help thousands of people build a better life. The GSA Way We know that how we do things is just as important as what we do. To help us make a difference, together, we created the GSA Way. A culture we commit to, aspire to, and live and breathe. Commitments and behaviours which together make our organisation what it is. Our five core commitments are: We believe our customer is everything We are one team We are supportive and caring We are business-minded for social purpose We are curious and ambitious. You can read more about the GSA Way in our recruitment pack. Benefits In support and recognition of our colleagues who will help us deliver our employer strategy, we offer a fantastic benefits package. This includes: 25 days annual holiday entitlement A defined contribution pension scheme. Trust based flexible working and a Confidential Employee Assistance Programme (EAP). Two days paid volunteering leave per year Buying and selling of annual leave Opt-in health cash plan with cover on eye test and glasses, Dental, therapy and much more! GreenSquareAccord also offer a non-contractual performance-related bonus scheme. Further details will be made available upon joining, along with supporting documentation which can be found on the GreenSquareAccord intranet site. All individuals who apply to work at GreenSquareAccord are considered on their merits in line with our Diversity and Inclusion strategy and policy. GreenSquareAccord are a Disability Confident Employer therefore we actively encourage applications from individuals with disabilities and try to provide access, adjustments, equipment or other practical support where required. All applicants with a disability who meet the essential eligibility criteria for the role, as detailed in the job description, are guaranteed an interview. If you need any assistance, adjustments or adaptations throughout our selection processes please let us know. Closing date for applications: 19-11-2025 For more information about this position please open the following document/s: TenancyEnforcementOfficerJD.docx GSARecruitmentPack(NonC&S).pdf
Job Title: Treasury Manager Job Location: Brindley Place Salary: up to £65k Contract type: Permanent Working hours: Full time About the role This is a key role in GSA s treasury team, with responsibility for managing treasury operations including external funder relationships and cash flow. Key responsibilities include: Leading on treasury activities/functions, ensuring delivery of the treasury strategy and compliance with the treasury policy and relevant financial procedures and regulations Providing an effective and efficient treasury service across the Group. Supporting the Head of Treasury to provide information on treasury matters to Board, Committees, Executive and Leadership Group as required Assisting in the preparation of materials for ratings agencies and other external stakeholders. Managing the Group s security portfolio, ensuring accurate data and legal documentation is held for all property as required by law or through contractual relationships (i.e. with funders) About you 5+ years of experience in treasury or corporate finance Strong understanding of covenant reporting, financial instruments, capital markets, and banking operations Excellent analytical, problem-solving, and decision-making skills Experienced people manger with strong interpersonal skills Proficient in treasury management systems (desirable) and Excel Strong communication and stakeholder management abilities Highly organized and detail-oriented with a strategic mindset About us We are GSA, we provide affordable homes and services that create a foundation from which people in our communities can thrive. We own and manage 25,000 homes in diverse communities across the West Midlands and Southwest. Everyone deserves a home, it s a place from which we build our future, we thrive at home. We are proud to play an active role in dealing with the consequences of the housing crisis, by providing affordable homes for people in our communities who need them most. Often a home is all someone needs, but when our customers need more, we offer a range of services, including care, money advice and coaching to support them. We also provide care and support to some of the most vulnerable people in society. This includes support for people who are homeless, experiencing domestic violence or are part of the criminal justice system. The GSA Way We know that how we do things is just as important as what we do. To help us make a difference, together, we created the GSA Way. A culture we commit to, aspire to, and live and breathe. Commitments and behaviours which together make our organisation what it is. Our five core commitments are: We believe our customer is everything We are one team We are supportive and caring We are business-minded for social purpose We are curious and ambitious. You can read more about the GSA Way in our recruitment pack. Benefits In support and recognition of our colleagues who will help us deliver our employer strategy, we offer a fantastic benefits package. This includes. -Trust based flexible working and supportive and friendly teams -25 days annual holiday entitlement, increasing to 30 days -One day off for your birthday -Opportunity to buy or sell annual leave -A defined contribution pension scheme GSA matches up to 6% contributions -We offer a service which provides 24/7 online GP appointments, second medical opinions, health checks, mental health support, 24/7 medical health helpline, wellbeing app, nutrition advice and fitness plans and legal and financial support. -Access to Blue Light discount card membership -Confidential Employee Assistance Programme (EAP). -Cycle to work Scheme -Eligible for occupational sick pay All individuals who apply to work at GreenSquareAccord are considered on their merits in line with our Diversity and Inclusion strategy and policy. GreenSquareAccord are a Disability Confident Employer therefore we actively encourage applications from individuals with disabilities and try to provide access, adjustments, equipment or other practical support where required. All applicants with a disability who meet the essential eligibility criteria for the role, as detailed in the job description, are guaranteed an interview. If you need any assistance, adjustments or adaptations throughout our selection processes please let us know.
Oct 16, 2025
Full time
Job Title: Treasury Manager Job Location: Brindley Place Salary: up to £65k Contract type: Permanent Working hours: Full time About the role This is a key role in GSA s treasury team, with responsibility for managing treasury operations including external funder relationships and cash flow. Key responsibilities include: Leading on treasury activities/functions, ensuring delivery of the treasury strategy and compliance with the treasury policy and relevant financial procedures and regulations Providing an effective and efficient treasury service across the Group. Supporting the Head of Treasury to provide information on treasury matters to Board, Committees, Executive and Leadership Group as required Assisting in the preparation of materials for ratings agencies and other external stakeholders. Managing the Group s security portfolio, ensuring accurate data and legal documentation is held for all property as required by law or through contractual relationships (i.e. with funders) About you 5+ years of experience in treasury or corporate finance Strong understanding of covenant reporting, financial instruments, capital markets, and banking operations Excellent analytical, problem-solving, and decision-making skills Experienced people manger with strong interpersonal skills Proficient in treasury management systems (desirable) and Excel Strong communication and stakeholder management abilities Highly organized and detail-oriented with a strategic mindset About us We are GSA, we provide affordable homes and services that create a foundation from which people in our communities can thrive. We own and manage 25,000 homes in diverse communities across the West Midlands and Southwest. Everyone deserves a home, it s a place from which we build our future, we thrive at home. We are proud to play an active role in dealing with the consequences of the housing crisis, by providing affordable homes for people in our communities who need them most. Often a home is all someone needs, but when our customers need more, we offer a range of services, including care, money advice and coaching to support them. We also provide care and support to some of the most vulnerable people in society. This includes support for people who are homeless, experiencing domestic violence or are part of the criminal justice system. The GSA Way We know that how we do things is just as important as what we do. To help us make a difference, together, we created the GSA Way. A culture we commit to, aspire to, and live and breathe. Commitments and behaviours which together make our organisation what it is. Our five core commitments are: We believe our customer is everything We are one team We are supportive and caring We are business-minded for social purpose We are curious and ambitious. You can read more about the GSA Way in our recruitment pack. Benefits In support and recognition of our colleagues who will help us deliver our employer strategy, we offer a fantastic benefits package. This includes. -Trust based flexible working and supportive and friendly teams -25 days annual holiday entitlement, increasing to 30 days -One day off for your birthday -Opportunity to buy or sell annual leave -A defined contribution pension scheme GSA matches up to 6% contributions -We offer a service which provides 24/7 online GP appointments, second medical opinions, health checks, mental health support, 24/7 medical health helpline, wellbeing app, nutrition advice and fitness plans and legal and financial support. -Access to Blue Light discount card membership -Confidential Employee Assistance Programme (EAP). -Cycle to work Scheme -Eligible for occupational sick pay All individuals who apply to work at GreenSquareAccord are considered on their merits in line with our Diversity and Inclusion strategy and policy. GreenSquareAccord are a Disability Confident Employer therefore we actively encourage applications from individuals with disabilities and try to provide access, adjustments, equipment or other practical support where required. All applicants with a disability who meet the essential eligibility criteria for the role, as detailed in the job description, are guaranteed an interview. If you need any assistance, adjustments or adaptations throughout our selection processes please let us know.
Job Title: Multi-trade Operative - Kitchen and Bathroom Job Location: OX18 - Field Based Salary - 35,500 (+ Company Van and Fuel Card) per annum Contract type - Permanent Working hours - Full Time 39 Hours per week About the role We are recruiting for a full time Multi Trade Operative Kitchen and Bathroom fitter to join our trades team on a permanent basis who has a core trade in carpentry and plumbing with a desire to join our team of talented staff. This role is field based in the Oxford area. Purpose of the Role: You will ensure properties are repaired and maintained to a high standard and will be responsible for carrying out repairs, improvements, surveys and measurements efficiently and economically in accordance with current working practices and all related health and safety legislation and good practice By working in a professional, respectful and courteous manner you will deliver excellent customer service, objectives and achieve behaviour competences. Please note that if you are successful in this role, we will require a DBS check to be completed. Further details will be sent following offer. About you You must be to qualified to City & Guilds or NVQ2 level in Building Maintenance with a core trade in carpentry / plumbing or demonstrate equivalent multi-trade experience. Previous experience of working within the social housing sector would be beneficial. You must have a good understanding of safe working practices and knowledge of working to Risk Assessments, Method statements and COSHH assessments. You must have a Full UK Driver s License to enable you to be successful as you will be travelling to multiple locations weekly - you will be provided with a van and fuel card. You will be required to undertake a range of routine and planned domestic maintenance repairs including the following trades: Basic Plumbing, Carpentry, Joinery, Painting/Decorating, Plastering, Wall and Floor Tiling. It is essential that you are able to ensure the safe and proper use of all mechanical and non-mechanical plant and equipment under their direct control. You must have the ability to plan, prioritise and manage your own workload to achieve deadlines and be able to effectively use hand-held electronic devices. A work tablet will be provided and plays a vital part of the role . You must be highly competent , have a positive can do attitude, have exceptional customer service skills with the ability to engage customers and communicate with them effectively and confidently. Please note that if you are successful in this role, we will require evidence of the required certificates and qualifications for this role. Without this evidence, you would be unable to commence employment at GreenSquareAccord. About us We are GSA. We provide affordable homes and services that create a foundation from which people in our communities can thrive. We own and manage 25,000 homes in diverse communities across the West Midlands and South West. Everyone deserves a home. It s a place from which we build our future. We thrive at home. We are proud to play an active role in dealing with the consequences of the housing crisis by providing affordable homes for people in our communities who need them most. Often a home is all someone needs, but when our customers need more, we offer a range of services, including care, money advice and coaching to support them. We also provide care and support to some of the most vulnerable people in society. This includes support for people who are homeless, experiencing domestic violence or are part of the criminal justice system. The GSA Way We know that how we do things is just as important as what we do. To help us make a difference, together, we created the GSA Way. A culture we commit to, aspire to, and live and breathe. Commitments and behaviours which together make our organisation what it is. Our five core commitments are: We believe our customer is everything We are one team We are supportive and caring We are business-minded for social purpose We are curious and ambitious. You can read more about the GSA Way in our recruitment pack. Benefits In support and recognition of our colleagues who will help us deliver our employer strategy, we offer a fantastic benefits package. This includes. Trust based flexible working and supportive and friendly teams 25 days annual holiday entitlement, increasing to 30 days One day off for your birthday Opportunity to buy or sell annual leave A defined contribution pension scheme GSA matches up to 6% contributions We offer a service which provides 24/7 online GP appointments, second medical opinions, health checks, mental health support, 24/7 medical health helpline, wellbeing app, nutrition advice and fitness plans and legal and financial support. Access to Blue Light discount card membership Confidential Employee Assistance Programme (EAP). Cycle to work Scheme Eligible for occupational sick pay Samsung Galaxy tablet provided Full Makita power tool kit provided. All individuals who apply to work at GreenSquareAccord are considered on their merits in line with our Diversity and Inclusion strategy and policy. GreenSquareAccord are a Disability Confident Employer therefore we actively encourage applications from individuals with disabilities and try to provide access, adjustments, equipment or other practical support where required. All applicants with a disability who meet the essential eligibility criteria for the role, as detailed in the job description, are guaranteed an interview. If you need any assistance, adjustments or adaptations throughout our selection processes please let us know. For more information about this position please open the following document/s: Multi-trade-JD2024.docx GSARecruitmentPack(NonC&S).pdf
Oct 14, 2025
Full time
Job Title: Multi-trade Operative - Kitchen and Bathroom Job Location: OX18 - Field Based Salary - 35,500 (+ Company Van and Fuel Card) per annum Contract type - Permanent Working hours - Full Time 39 Hours per week About the role We are recruiting for a full time Multi Trade Operative Kitchen and Bathroom fitter to join our trades team on a permanent basis who has a core trade in carpentry and plumbing with a desire to join our team of talented staff. This role is field based in the Oxford area. Purpose of the Role: You will ensure properties are repaired and maintained to a high standard and will be responsible for carrying out repairs, improvements, surveys and measurements efficiently and economically in accordance with current working practices and all related health and safety legislation and good practice By working in a professional, respectful and courteous manner you will deliver excellent customer service, objectives and achieve behaviour competences. Please note that if you are successful in this role, we will require a DBS check to be completed. Further details will be sent following offer. About you You must be to qualified to City & Guilds or NVQ2 level in Building Maintenance with a core trade in carpentry / plumbing or demonstrate equivalent multi-trade experience. Previous experience of working within the social housing sector would be beneficial. You must have a good understanding of safe working practices and knowledge of working to Risk Assessments, Method statements and COSHH assessments. You must have a Full UK Driver s License to enable you to be successful as you will be travelling to multiple locations weekly - you will be provided with a van and fuel card. You will be required to undertake a range of routine and planned domestic maintenance repairs including the following trades: Basic Plumbing, Carpentry, Joinery, Painting/Decorating, Plastering, Wall and Floor Tiling. It is essential that you are able to ensure the safe and proper use of all mechanical and non-mechanical plant and equipment under their direct control. You must have the ability to plan, prioritise and manage your own workload to achieve deadlines and be able to effectively use hand-held electronic devices. A work tablet will be provided and plays a vital part of the role . You must be highly competent , have a positive can do attitude, have exceptional customer service skills with the ability to engage customers and communicate with them effectively and confidently. Please note that if you are successful in this role, we will require evidence of the required certificates and qualifications for this role. Without this evidence, you would be unable to commence employment at GreenSquareAccord. About us We are GSA. We provide affordable homes and services that create a foundation from which people in our communities can thrive. We own and manage 25,000 homes in diverse communities across the West Midlands and South West. Everyone deserves a home. It s a place from which we build our future. We thrive at home. We are proud to play an active role in dealing with the consequences of the housing crisis by providing affordable homes for people in our communities who need them most. Often a home is all someone needs, but when our customers need more, we offer a range of services, including care, money advice and coaching to support them. We also provide care and support to some of the most vulnerable people in society. This includes support for people who are homeless, experiencing domestic violence or are part of the criminal justice system. The GSA Way We know that how we do things is just as important as what we do. To help us make a difference, together, we created the GSA Way. A culture we commit to, aspire to, and live and breathe. Commitments and behaviours which together make our organisation what it is. Our five core commitments are: We believe our customer is everything We are one team We are supportive and caring We are business-minded for social purpose We are curious and ambitious. You can read more about the GSA Way in our recruitment pack. Benefits In support and recognition of our colleagues who will help us deliver our employer strategy, we offer a fantastic benefits package. This includes. Trust based flexible working and supportive and friendly teams 25 days annual holiday entitlement, increasing to 30 days One day off for your birthday Opportunity to buy or sell annual leave A defined contribution pension scheme GSA matches up to 6% contributions We offer a service which provides 24/7 online GP appointments, second medical opinions, health checks, mental health support, 24/7 medical health helpline, wellbeing app, nutrition advice and fitness plans and legal and financial support. Access to Blue Light discount card membership Confidential Employee Assistance Programme (EAP). Cycle to work Scheme Eligible for occupational sick pay Samsung Galaxy tablet provided Full Makita power tool kit provided. All individuals who apply to work at GreenSquareAccord are considered on their merits in line with our Diversity and Inclusion strategy and policy. GreenSquareAccord are a Disability Confident Employer therefore we actively encourage applications from individuals with disabilities and try to provide access, adjustments, equipment or other practical support where required. All applicants with a disability who meet the essential eligibility criteria for the role, as detailed in the job description, are guaranteed an interview. If you need any assistance, adjustments or adaptations throughout our selection processes please let us know. For more information about this position please open the following document/s: Multi-trade-JD2024.docx GSARecruitmentPack(NonC&S).pdf